Скачать или смотреть Premium-Spike Murder: £500K Life-Insurance, Plot Ends with £0

July 2023, Cambridgeshire—mortgage broker Robert Hammond was drowning in £312 000 of debt.
His plan? Rush-pay 6 months of overdue premiums on his wife’s two life-insurance policies (total cover £500 K)… then stage a burglary and kill her.

Detectives spotted the sudden premium spike, linked the debt motive, and Hammond confessed.
Result: life sentence (min 24 yrs) and a frozen payout—his family gets £0.

Key lesson: big last-minute top-ups are fraud red flags. Insurers audit, claims stall, and crime never pays.

Timestamps
0:00 Hook – pay premiums, commit murder?
0:10 Debt & £500 K policy setup
0:18 Two-day gap → homicide
0:25 Premium spike flagged
0:32 Confession & life sentence
0:38 Payout frozen (£0)
0:42 Take-home rule & red-flag emoji
0:50 CTA & PDF link

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